Data clustering and user modeling for next-best-action decisions

ABSTRACT

Embodiments herein provide data clustering and user modeling for next-best-action decisions. Specifically, a modeling tool is configured to: receive indicators within unstructured social data from a plurality of users; analyze the unstructured social data of each of the plurality of users to assign a set of feature vectors to each of the plurality of users, each feature vector corresponding to one or more personality characteristics of each of the plurality of users; and analyze the feature vectors to identify two or more users from the plurality of users sharing a set of similar feature vectors. The modeling tool is further configured to: group the two or more users from the plurality of users sharing the set of similar feature vectors to form a cluster; identify attributes of the cluster; and input the attributes of the cluster into a predictive model to determine an offer corresponding to the cluster.

This patent document is a continuation of, and claims the benefit of,co-pending and co-owned U.S. patent application Ser. No. 14/919,852,filed Oct. 22, 2015, which is a continuation of commonly owned U.S.patent application Ser. No. 13/895,947, filed May 16, 2013, issued Feb.2, 2016 as U.S. Pat. No. 9,251,275. The entire contents of U.S. patentapplication Ser. No. 14/919,852 and U.S. patent application Ser. No.13/895,947 are herein incorporated by reference.

STATEMENT REGARDING PRIOR DISCLOSURES BY THE INVENTOR OR A JOINTINVENTOR

The following disclosure is submitted under 35 U.S.C. 102(b)(1)(A):DISCLOSURE: Sample of Top Products & Sample Companies, disclosed byDaniel T. Lambert and Norbert Herman on Aug. 31, 2012, pages 1-2.

FIELD OF THE INVENTION

The present invention relates generally to statistical analysis of largedatasets and, more specifically, to data clustering and user modelingfor next-best-action decisions.

BACKGROUND OF THE INVENTION

By some estimates, 80% of a company's useful customer information isstored in unstructured data. This includes blogs, e-mails, forum posts,social media, and, increasingly, transcripts of phone calls. Each touchpoint with the customer results in potentially useful information aboutpurchasing behaviors, lifestyles, interests, and the like. However,companies have not found a way to adequately capture this informationand turn the data into useful action items.

There are a number of current art solutions that act as data aggregatorsor filters. These solutions are effective at enabling manyrepresentatives to contact customers, and generally monitor brandawareness. However, these solutions fall short in their ability torecognize and report the next best action to take with the customer.

With existing solutions, the content of the message is usually draftedby a customer service representative or the like. As such, there is noknown way to automatically capture the attitudes and sentiment of theconsumer towards various products. This is especially problematic atscale. First, companies with millions of customers cannot manually readevery e-mail, social media post, etc. Second, humans may not be able torecognize less obvious shopping patterns and tendencies. Humans may failto notice many buyer pattern correlations because they are oftennonsensical or not apparent unless statistically derived. Accordingly,what is needed is a solution that solves at least one of theabove-identified deficiencies.

SUMMARY OF THE INVENTION

In general, embodiments herein provide data clustering and user modelingfor next-best-action decisions. Specifically, a modeling tool isconfigured to receive unstructured social data from a plurality ofusers, the unstructured social data including one or more indicatorsthat indicate at least one of: sentiment, personality, and emotionalstate; analyze the unstructured social data of each of the plurality ofusers to assign a set of feature vectors to each of the plurality ofusers, each of the set of feature vectors corresponding to one or morepersonality characteristics of each of the plurality of users; andanalyze the set of feature vectors to identify two or more users fromthe plurality of users sharing a set of similar feature vectors. Themodeling tool is further configured to group the two or more users fromthe plurality of users sharing the set of similar feature vectors toform a cluster; identify attributes of the cluster; and input theattributes of the cluster into a predictive model to determine acommercial offer that corresponds to the cluster.

In one embodiment, there is a method for data clustering and usermodeling for next-best-action decisions. In this embodiment, the methodcomprises the computer-implemented steps of: receiving unstructuredsocial data of a plurality of users, the unstructured social datacomprising one or more indicators that indicate at least one of:sentiment, personality, and emotional state; analyzing the unstructuredsocial data of each of the plurality of users to assign a set of featurevectors to each of the plurality of users, each of the set of featurevectors corresponding to one or more personality characteristics of eachof the plurality of users; analyzing the set of feature vectors toidentify two or more users from the plurality of users sharing a set ofsimilar feature vectors; grouping the two or more users from theplurality of users sharing the set of similar feature vectors to form acluster; identifying attributes of the cluster; and inputting theattributes of the cluster into a predictive model to determine acommercial offer that corresponds to the cluster.

In another embodiment, there is a system for data clustering and usermodeling for next-best-action decisions. In this embodiment, the systemcomprises at least one processing unit, and memory operably associatedwith the at least one processing unit. A modeling tool is storable inmemory and executable by the at least one processing unit. The modelingtool comprises an analyzing component configured to: receiveunstructured social data from a plurality of users, the unstructuredsocial data comprising one or more indicators that indicate at least oneof: sentiment, personality, and emotional state; analyze theunstructured social data of each of the plurality of users to assign aset of feature vectors to each of the plurality of users, each of theset of feature vectors corresponding to one or more personalitycharacteristics of each of the plurality of users; and analyze the setof feature vectors to identify two or more users from the plurality ofusers sharing a set of similar feature vectors; a clustering componentconfigured to: group the two or more users from the plurality of userssharing the set of similar feature vectors to form a cluster; andidentify attributes of the cluster; and an offering component configuredto input the attributes of the cluster into a predictive model todetermine a commercial offer that corresponds to the cluster.

In another embodiment, there is a computer-readable storage mediumstoring computer instructions, which when executed, enables a computersystem to provide data clustering and user modeling for next-best-actiondecisions. In this embodiment, the computer instructions comprise:receiving unstructured social data of a plurality of users, theunstructured social data comprising one or more indicators that indicateat least one of: sentiment, personality, and emotional state; analyzingthe unstructured social data of each of the plurality of users to assigna set of feature vectors to each of the plurality of users, each of theset of feature vectors corresponding to one or more personalitycharacteristics of each of the plurality of users; analyzing the set offeature vectors to identify two or more users from the plurality ofusers sharing a set of similar feature vectors; grouping the two or moreusers from the plurality of users sharing the set of similar featurevectors to form a cluster; identifying attributes of the cluster; andinputting the attributes of the cluster into a predictive model todetermine a commercial offer that corresponds to the cluster.

BRIEF DESCRIPTION OF THE DRAWINGS

These and other features of this invention will be more readilyunderstood from the following detailed description of the variousaspects of the invention taken in conjunction with the accompanyingdrawings in which:

FIG. 1 shows a schematic of an exemplary computing environment in whichelements of the present embodiments may operate;

FIG. 2 shows a more detailed view of a modeling tool according toembodiments of the invention;

FIG. 3 shows an exemplary implementation of the modeling tool accordingto embodiments of the invention;

FIG. 4 shows exemplary implementation of the modeling tool according toembodiments of the invention;

FIG. 5 shows exemplary implementation of the modeling tool according toembodiments of the invention; and

FIG. 6 shows a flow diagram for data clustering and user modeling fornext-best-action decisions according to embodiments of the invention.

The drawings are not necessarily to scale. The drawings are merelyschematic representations, not intended to portray specific parametersof the invention. The drawings are intended to depict only typicalembodiments of the invention, and therefore should not be considered aslimiting the scope of the invention. In the drawings, like numberingrepresents like elements.

DETAILED DESCRIPTION OF THE INVENTION

The invention will now be described more fully herein with reference tothe accompanying drawings, in which exemplary embodiments are shown.Embodiments of the invention provide data clustering and user modelingfor next-best-action decisions. Specifically, a modeling tool isconfigured to receive unstructured social data from a plurality ofusers, the unstructured social data including one or more indicatorsthat indicate at least one of: sentiment, personality, and emotionalstate; analyze the unstructured social data of each of the plurality ofusers to assign a set of feature vectors to each of the plurality ofusers, each of the set of feature vectors corresponding to one or morepersonality characteristics of each of the plurality of users; andanalyze the set of feature vectors to identify two or more users fromthe plurality of users sharing a set of similar feature vectors. Themodeling tool is further configured to group the two or more users fromthe plurality of users sharing the set of similar feature vectors toform a cluster; identify attributes of the cluster; and input theattributes of the cluster into a predictive model to determine acommercial offer that corresponds to the cluster.

This disclosure may be embodied in many different forms and should notbe construed as limited to the exemplary embodiments set forth herein.Rather, these exemplary embodiments are provided so that this disclosurewill be thorough and complete and will fully convey the scope of thisdisclosure to those skilled in the art. In the description, details ofwell-known features and techniques may be omitted to avoid unnecessarilyobscuring the presented embodiments. Reference throughout thisspecification to “one embodiment,” “an embodiment,” or similar languagemeans that a particular feature, structure, or characteristic describedin connection with the embodiment is included in at least one embodimentof the present invention. Thus, appearances of the phrases “in oneembodiment,” “in an embodiment,” and similar language throughout thisspecification may, but do not necessarily, all refer to the sameembodiment.

Furthermore, the terminology used herein is for the purpose ofdescribing particular embodiments only and is not intended to belimiting of this disclosure. As used herein, the singular forms “a”,“an”, and “the” are intended to include the plural forms as well, unlessthe context clearly indicates otherwise. Furthermore, the use of theterms “a”, “an”, etc., do not denote a limitation of quantity, butrather denote the presence of at least one of the referenced items. Itwill be further understood that the terms “comprises” and/or“comprising”, or “includes” and/or “including”, when used in thisspecification, specify the presence of stated features, regions,integers, steps, operations, elements, and/or components, but do notpreclude the presence or addition of one or more other features,regions, integers, steps, operations, elements, components, and/orgroups thereof.

Unless specifically stated otherwise, it may be appreciated that termssuch as “processing,” “computing,” “determining,” “evaluating,” or thelike, refer to the action and/or processes of a computer or computingsystem, or similar electronic data center device, that manipulatesand/or transforms data represented as physical quantities (e.g.,electronic) within the computing system's registers and/or memories intoother data similarly represented as physical quantities within thecomputing system's memories, registers or other such informationstorage, transmission or viewing devices. The embodiments are notlimited in this context.

Referring now to FIG. 1, a computerized implementation 100 of thepresent invention will be described in greater detail. As depicted,implementation 100 includes computer system 104 deployed within acomputer infrastructure 102. This is intended to demonstrate, amongother things, that the present invention could be implemented within anetwork environment (e.g., the Internet, a wide area network (WAN), alocal area network (LAN), a virtual private network (VPN), etc.), acloud-computing environment, or on a stand-alone computer system.Communication throughout the network can occur via any combination ofvarious types of communication links. For example, the communicationlinks can comprise addressable connections that may utilize anycombination of wired and/or wireless transmission methods. Wherecommunications occur via the Internet, connectivity could be provided byconventional TCP/IP sockets-based protocol, and an Internet serviceprovider could be used to establish connectivity to the Internet. Stillyet, computer infrastructure 102 is intended to demonstrate that some orall of the components of implementation 100 could be deployed, managed,serviced, etc., by a service provider who offers to implement, deploy,and/or perform the functions of the present invention for others.

Computer system 104 is intended to represent any type of computer systemthat may be implemented in deploying/realizing the teachings recitedherein. In this particular example, computer system 104 represents anillustrative system for data clustering and user modeling fornext-best-action decisions. It should be understood that any othercomputers implemented under the present invention may have differentcomponents/software, but will perform similar functions. As shown,computer system 104 includes a processing unit 106 capable ofcommunicating with a modeling tool 118 stored in memory 108, a bus 110,and device interfaces 112.

Processing unit 106 refers, generally, to any apparatus that performslogic operations, computational tasks, control functions, etc. Aprocessor may include one or more subsystems, components, and/or otherprocessors. A processor will typically include various logic componentsthat operate using a clock signal to latch data, advance logic states,synchronize computations and logic operations, and/or provide othertiming functions. During operation, processing unit 106 collects androutes signals representing inputs and outputs between external devices115 and modeling tool 118. The signals can be transmitted over a LANand/or a WAN (e.g., T1, T3, 56 kb, X.25), broadband connections (ISDN,Frame Relay, ATM), wireless links (802.11, Bluetooth, etc.), and so on.In some embodiments, the signals may be encrypted using, for example,trusted key-pair encryption. Different systems may transmit informationusing different communication pathways, such as Ethernet or wirelessnetworks, direct serial or parallel connections, USB, Firewire®,Bluetooth®, or other proprietary interfaces. (Firewire is a registeredtrademark of Apple Computer, Inc. Bluetooth is a registered trademark ofBluetooth Special Interest Group (SIG)).

In general, processing unit 106 executes computer program code, such asprogram code for operating modeling tool 118, which is stored in memory108 and/or storage system 116. While executing computer program code,processing unit 106 can read and/or write data to/from memory 108,storage system 116, and modeling tool 118. Storage system 116 caninclude VCRs, DVRs, RAID arrays, USB hard drives, optical diskrecorders, flash storage devices, and/or any other data processing andstorage elements for storing and/or processing data. Although not shown,computer system 104 could also include I/O interfaces that communicatewith one or more external devices 115 that enable interaction withcomputer system 104 (e.g., a cellular phone, a smart phone, a keyboard,a pointing device, a display, etc.).

Referring now to FIG. 2, operation of modeling tool 118 will bedescribed in greater detail. As shown, FIG. 2 is a block diagramillustrating an example of a combination of processing components thatcan be used for implementing modeling tool 118 in implementation 100illustrated in FIG. 1. In an exemplary embodiment, modeling tool 118receives, clusters, and models unstructured social data 120 from aplurality of users 122A-N (e.g., customers or potential customers). Toaccomplish this, modeling tool 118 comprises an analyzing component 124configured to receive unstructured social data 120 from plurality ofusers 122A-N, wherein the unstructured social data 120 comprises one ormore indicators (e.g., text) that indicates sentiment (e.g., towards aparticular product or company), personality, emotion, etc. In oneembodiment, analyzing component 124 is also configured to receivestructured data 126 (e.g., a history of past transactions). In thiscase, the combination of unstructured social data 120 and structureddata 126 can provide even deeper insight into what the next-best-actioncan be with a user or group of users.

Analyzing component 124 is then configured to analyze unstructuredsocial data 120 of each user 122 to assign a set of feature vectors130A-N to each of plurality of users 122A-N, each of set of featurevectors 130A-N corresponding to one or more personality characteristicsof each of plurality of users 122A-N. In one embodiment, analyzingcomponent 124 takes large quantities of social media data and generateseach feature vector 130 based on text from all of the differentavailable sources/channels. Each feature vector 130 may be simple, e.g.,mention of a keyword, or highly complex, e.g., a neuroticism score ofuser 122. It will be appreciated that there are many possible featurevectors that can be applied to the data, and even more can be created orcustomized, depending on the type of data available. In one embodiment,multiple feature vectors from set of feature vectors 130A-N are combinedto generate a set of higher-level feature vectors.

Once each user 122 has been assigned as many feature vectors 130 as isreasonable, modeling tool 118 then determines customer clusters. Toaccomplish this, analyzing component 124 is further configured toanalyze set of feature vectors 130A-N to identify two or more users fromplurality of users 122A-N sharing a set of similar feature vectors.Modeling tool 118 comprises a clustering component 132, which is thenconfigured to group the two or more users from plurality of users 122A-Nsharing similar feature vectors to form a cluster 134. As will beappreciated, a large number of users and unstructured data may result inany number of different clusters. In one embodiment, clusteringcomponent 132 attempts to cluster similar users together while alsospacing out the clusters where possible.

Clustering component 132 is further configured to identify attributes ofcluster 134. That is, after users 122A-N have been clustered, theaverages of the feature vectors are used to describe cluster 134. Forexample, cluster 134 may be 80% female, highly interested in DVR playersbased on social media mentions, outgoing, and have a high propensity forimpulse buying. Cluster 134 and its associated attributes are theninput, by an offering component 138, into a predictive model, e.g., anext-best-action (NBA) model 140, to determine a commercial offercorresponding to cluster 134.

In one embodiment, NBA model 140 is a marketing and advertising modelthat provides next-best-action decision-making, wherein NBA model 140considers the different actions that can be taken for the users ofcluster 134 and decides on the ‘best’ one. The NBA (e.g., an offer,proposition, service, etc.) is determined by the attributes of cluster134, as well as a marketing organization's business objectives,policies, and regulations on the offer. NBA model 140 reliably achievesNBA capabilities in high volumes as well as in real-time. In oneembodiment, this requires some form of decisioning hub that leveragesdecision logic to combine an advertisers business rules with predictiveand adaptive decisioning models to help determine how to target andsolicit cluster 134. The decisioning authority takes into account eachuser's expectations, propensities and likely behavior through the use ofpredictive modeling. The result is one or more commercial offersidentified and selected for cluster 134, e.g., from a predeterminedselection of commercial offers. If feedback is received from cluster 134in response to the commercial offering(s), offering component 138 isconfigured to receive the one or more commercial offers and evaluate thegrouping of the two or more users from plurality of users 122A-N ofcluster 134 based on the response.

Turning now to FIG. 3, analyzing component 124 of FIG. 2 will bedescribed in greater detail. Shown here is a sample 150 of featurevectors 130 that can be identified from unstructured data. Depending onthe source/channel, unstructured data brings in many insights about thecustomer. Importantly to companies/advertisers, some of the textindicates an intent to purchase. Key words like ‘I want’, ‘I need’, or‘I hope’ are 1^(st) person textual examples that can be leveraged asindicators of interest in a certain product or product category.Conversely, words like tad, ‘too expensive’, and ‘dislike’ show negativesentiment towards a brand or product segment. These different levels ofsentiment can be stored as customer scores 152 on different dimensions.

In one embodiment, customer scores 152 are based on frequency andrecentness of words that indicate the particular sentiment. For example,if calculating an egotistical customer score, use of the first person(e.g., “I”, “me”, “mine”, etc.) is considered. If calculating an empathyscore, analyzing component 124 looks for the frequency of words thatindicate caring, loving etc. This may also be supplemented by analysisof sentence structure.

Psycholinguistic libraries may also be leveraged to identify thesefeature vectors 130. In certain embodiments, traits are discerned bylooking over a multi-channel history of communications. For example,e-mail and social media accounts could be used in tandem to identify oneor more feature vectors 130. Alternatively, some feature vectors 130 canbe determined by a single post, e.g., a blog entry or social mediastatus update. These feature vectors 130 can also be tied to specificproduct mentions. For example, ‘wealthy’ and ‘high propensity to buy’feature vectors could be combined with mentions of a recently broken TV,which could eventually result in an offer of a high-end TV with adescription of the latest features included in the TV. In oneembodiment, these feature vectors 130 can also be combined to createhigher-level attributes, such as ‘Company or Individual’, ‘Likelihood ofResponse’, ‘Neuroticism’ and the like.

Referring now to FIGS. 4-5, a non-limiting example of how clusteringoccurs (e.g., via clustering component 132) after feature vectors 130have been identified will be described. In this embodiment, thefollowing steps are performed.

1. Assign a value to each feature vector 130 for each user. For example,a feature vector formula may be run on each customer and stored in atemporary table for processing. In one embodiment, the feature vectorformula calculates a value/score for a particular personalitycharacteristic of a user based on a frequency and recentness of one ormore indicators (e.g., words, terms, expressions, etc.) that areindicative of the particular characteristic.

2. Group each feature vector 130 based on the assigned value. Forexample, once each customer has been assigned a value, a set of groups(e.g., ‘bins’ or ‘buckets’ or ‘ranges’) 158A-N are created for each ofthe feature vectors, as shown in FIG. 4. In this non-limitingembodiment, every feature vector of every user must be assigned into oneof 5 valid bins.

3. Plot a graphical representation of the set of feature vectors 130 foreach set of users based on the grouping. As shown in FIG. 5, users canthen be ‘plotted’ as a graphical representation 160 with any number ofdifferent dimensions (i.e., feature vectors). Note, however, thatgraphical representation 160 is representative only, as only a limitednumber of dimensions may be simultaneously displayed.

4. Determine the difference between graphical representations of two ormore users from the plurality of users. In this embodiment, the distancebetween each of these points of graphical representation 160 iscalculated by measuring the difference between the feature vectors foreach user pair. For example, compare Customer1Recency Bin andCustomer2Recency Bin, Customer1Frequency Bin and Customer2Frequency Bin(FIG. 4), etc., until an aggregate distance is calculated. In thisembodiment, differences are calculated by differences in bin assignment,not absolute difference.

5. Cluster users based on similarities (i.e., closeness in distance).Users that have minimal separation by distance are clustered together.Furthermore, various clusters are created that are as far away from eachother as possible.

Once clustering is complete, each cluster is automatically assigned anoffer based on the characteristics of the cluster and the offersavailable in a predetermined pool of offers. Ultimately, this results ina more specific offer for a narrower group of customers.

As described herein, the present invention provides a tool which reviewsemails, blog entries, forum posts, etc., and other types of unstructureddata, and classifies the author based on various attributes and traits.However, these traits are not limited to the likes or interests of theauthor, the browsing history, the demographic data, purchase history,etc. Instead, traits are analyzed to reveal the personality of theauthor. It can be appreciated that the approaches disclosed herein canbe used within a computer system for data clustering and user modelingfor next-best-action decisions, as shown in FIG. 1. In this case,modeling tool 118 can be provided, and one or more systems forperforming the processes described in the invention can be obtained anddeployed to computer infrastructure 102. To this extent, the deploymentcan comprise one or more of: (1) installing program code on a datacenter device, such as a computer system, from a computer-readablestorage medium; (2) adding one or more data center devices to theinfrastructure; and (3) incorporating and/or modifying one or moreexisting systems of the infrastructure to enable the infrastructure toperform the process actions of the invention.

The exemplary computer system 104 may be described in the generalcontext of computer-executable instructions, such as program modules,being executed by a computer. Generally, program modules includeroutines, programs, people, components, logic, data structures, and soon that perform particular tasks or implements particular abstract datatypes. Exemplary computer system 104 may be practiced in distributedcomputing environments where tasks are performed by remote processingdevices that are linked through a communications network. In adistributed computing environment, program modules may be located inboth local and remote computer storage media including memory storagedevices.

The program modules carry out the methodologies disclosed herein, asshown in FIG. 6. Shown is a process 200 for data clustering and usermodeling for next-best-action decisions, wherein, at 201, unstructuredsocial data is received. At 202, the unstructured social data isanalyzed. At 203, a set of feature vectors is assigned to each of theplurality of users. At 204, each feature vector is analyzed to identifytwo or more users from the plurality of users sharing a set of similarfeature vectors. At 205, the two or more users from the plurality ofusers sharing the set of similar feature vectors are grouped to form acluster. Next, at 206, attributes of the cluster are identified, and theattributes are input to a predictive model to determine a commercialoffer corresponding to the cluster at 207.

The flowchart of FIG. 6 illustrates the architecture, functionality, andoperation of possible implementations of systems, methods and computerprogram products according to various embodiments of the presentinvention. In this regard, each block in the flowchart may represent amodule, segment, or portion of code, which comprises one or moreexecutable instructions for implementing the specified logicalfunction(s). It should also be noted that, in some alternativeimplementations, the functions noted in the blocks might occur out ofthe order noted in the figures. For example, two blocks shown insuccession may, in fact, be executed substantially concurrently. It willalso be noted that each block of flowchart illustration can beimplemented by special purpose hardware-based systems that perform thespecified functions or acts, or combinations of special purpose hardwareand computer instructions.

Many of the functional units described in this specification have beenlabeled as modules in order to more particularly emphasize theirimplementation independence. For example, a module may be implemented asa hardware circuit comprising custom VLSI circuits or gate arrays,off-the-shelf semiconductors such as logic chips, transistors, or otherdiscrete components. A module may also be implemented in programmablehardware devices such as field programmable gate arrays, programmablearray logic, programmable logic devices or the like. Modules may also beimplemented in software for execution by various types of processors. Anidentified module or component of executable code may, for instance,comprise one or more physical or logical blocks of computer instructionswhich may, for instance, be organized as an object, procedure, orfunction. Nevertheless, the executables of an identified module need notbe physically located together, but may comprise disparate instructionsstored in different locations which, when joined logically together,comprise the module and achieve the stated purpose for the module.

Further, a module of executable code could be a single instruction, ormany instructions, and may even be distributed over several differentcode segments, among different programs, and across several memorydevices. Similarly, operational data may be identified and illustratedherein within modules, and may be embodied in any suitable form andorganized within any suitable type of data structure. The operationaldata may be collected as a single data set, or may be distributed overdifferent locations including over different storage devices, overdisparate memory devices, and may exist, at least partially, merely aselectronic signals on a system or network.

Furthermore, as will be described herein, modules may also beimplemented as a combination of software and one or more hardwaredevices. For instance, a module may be embodied in the combination of asoftware executable code stored on a memory device. In a furtherexample, a module may be the combination of a processor that operates ona set of operational data. Still further, a module may be implemented inthe combination of an electronic signal communicated via transmissioncircuitry.

As noted above, some of the embodiments may be embodied in hardware. Thehardware may be referenced as a hardware element. In general, a hardwareelement may refer to any hardware structures arranged to perform certainoperations. In one embodiment, for example, the hardware elements mayinclude any analog or digital electrical or electronic elementsfabricated on a substrate. The fabrication may be performed usingsilicon-based integrated circuit (IC) techniques, such as complementarymetal oxide semiconductor (CMOS), bipolar, and bipolar CMOS (BiCMOS)techniques, for example. Examples of hardware elements may includeprocessors, microprocessors, circuits, circuit elements (e.g.,transistors, resistors, capacitors, inductors, and so forth), integratedcircuits, application specific integrated circuits (ASIC), programmablelogic devices (PLD), digital signal processors (DSP), field programmablegate array (FPGA), logic gates, registers, semiconductor device, chips,microchips, chip sets, and so forth. The embodiments are not limited inthis context.

Also noted above, some embodiments may be embodied in software. Thesoftware may be referenced as a software element. In general, a softwareelement may refer to any software structures arranged to perform certainoperations. In one embodiment, for example, the software elements mayinclude program instructions and/or data adapted for execution by ahardware element, such as a processor. Program instructions may includean organized list of commands comprising words, values or symbolsarranged in a predetermined syntax, that when executed, may cause aprocessor to perform a corresponding set of operations.

For example, an implementation of exemplary computer system 104 (FIG. 1)may be stored on or transmitted across some form of computer readablemedia. Computer readable media can be any available media that can beaccessed by a computer. By way of example, and not limitation, computerreadable media may comprise “computer storage media” and “communicationsmedia.”

“Computer-readable storage device” includes volatile and non-volatile,removable and non-removable computer storable media implemented in anymethod or technology for storage of information such as computerreadable instructions, data structures, program modules, or other data.Computer storage device includes, but is not limited to, RAM, ROM,EEPROM, flash memory or other memory technology, CD-ROM, digitalversatile disks (DVD) or other optical storage, magnetic cassettes,magnetic tape, magnetic disk storage or other magnetic storage devices,or any other medium which can be used to store the desired informationand which can be accessed by a computer.

“Communication media” typically embodies computer readable instructions,data structures, program modules, or other data in a modulated datasignal, such as carrier wave or other transport mechanism. Communicationmedia also includes any information delivery media.

The term “modulated data signal” means a signal that has one or more ofits characteristics set or changed in such a manner as to encodeinformation in the signal. By way of example, and not limitation,communication media includes wired media such as a wired network ordirect-wired connection, and wireless media such as acoustic, RF,infrared, and other wireless media. Combinations of any of the above arealso included within the scope of computer readable media.

It is apparent that there has been provided an approach for dataclustering and user modeling for next-best-action decisions. While theinvention has been particularly shown and described in conjunction witha preferred embodiment thereof, it will be appreciated that variationsand modifications will occur to those skilled in the art. Therefore, itis to be understood that the appended claims are intended to cover allsuch modifications and changes that fall within the true spirit of theinvention.

What is claimed is:
 1. A method for targeting communications to a user,the method comprising the computer-implemented steps of: receiving, byat least one computer device, unstructured social data of a plurality ofusers, the unstructured social data comprising one or more cognitiveindicators pertaining to specific users based on a set of words used bythe specific users within the unstructured social data; analyzing, bythe at least one computer device, the unstructured social data createdby each user of the plurality of users to reveal a personality of theuser by, for each user of the plurality of users, automaticallyassigning a scoring value to each of a plurality of feature vectors,which are associated with the user, based on the set of words of the oneor more indicators used by the user within the unstructured social datagenerated by the user, the set of feature vectors having at least onefeature vector that is selected from a group, comprising: an empathyfeature vector, an egotism feature vector, or a neuroticism featurevector for each of the plurality of users; identifying, by the at leastone computer device, attributes of each cluster of a plurality ofclusters formed from two or more users from the plurality of usershaving common personality characteristics based on the feature vectorsshared by users grouped in the cluster; inputting, by the at least onecomputer device, the attributes of the cluster identified from thecommon personality characteristics into a predictive model toautomatically determine a commercial offer that is tailored to thecluster based on the attributes of the users in the cluster and toautomatically determine a second commercial offer that is tailored to adifferent cluster based on the attributes of the users in the cluster;and forwarding, by the at least one computer device, the commercialoffer that is tailored to the cluster to every user in the cluster andthe second commercial offer that is tailored to the different cluster toevery user in the different cluster.
 2. The method according to claim 1,further comprising combining multiple feature vectors from the set offeature vectors to generate a set of higher-level feature vectors. 3.The method according to claim 1, further comprising receiving structureddata of the plurality of users.
 4. The method according to claim 3, thestructured data comprises a history of past transactions.
 5. The methodaccording to claim 1, the analyzing the set of feature vectorscomprising: assigning a value to each of the set of feature vectors foreach of the plurality of users, the value identifying a frequency andrecentness of one or more indicators that indicate one or morepersonality characteristics corresponding to each of the set of featurevectors; grouping each of the set of feature vectors based on theassigned value; and plotting a graphical representation of the set offeature vectors for each of the plurality of users based on thegrouping.
 6. The method according to claim 5, further comprisingdetermining a difference between graphical representations of the two ormore users from the plurality of users.
 7. The method according to claim1, further comprising selecting the commercial offer for the clusterfrom a predetermined selection of commercial offers.
 8. The methodaccording to claim 7, further comprising: receiving a responsecorresponding to the commercial offer from a responding user; andchanging the grouping of the responding user from the cluster to anothercluster based on the response to the commercial offer.
 9. A computersystem for targeting communications to a user, the system comprising: atleast one processing unit; memory operably associated with the at leastone processing unit; and a modeling tool storable in memory andexecutable by the at least one processing unit, the modeling toolcomprising: an analyzing component configured to: receive unstructuredsocial data of a plurality of users, the unstructured social datacomprising one or more cognitive indicators pertaining to specific usersbased on a set of words used by the specific users within theunstructured social data; and analyze the unstructured social datacreated by each user of the plurality of users to reveal a personalityof the user by, for each user of the plurality of users, automaticallyassigning a scoring value to each of a plurality of feature vectors,which are associated with the user, based on the set of words of the oneor more indicators used by the user within the unstructured social datagenerated by the user, the set of feature vectors having at least onefeature vector that is selected from a group, comprising: an empathyfeature vector, an egotism feature vector, or a neuroticism featurevector for each of the plurality of users; a clustering componentconfigured to identify attributes of each cluster of a plurality ofclusters formed from two or more users from the plurality of usershaving common personality characteristics based on the feature vectorsshared by users grouped in the cluster; and an offering componentconfigured to input the attributes of the cluster identified from thecommon personality characteristics into a predictive model toautomatically determine a commercial offer that is tailored to thecluster based on the attributes of the users in the cluster and a secondcommercial offer that is tailored to a different cluster based on theattributes of the users in the cluster and to forward the commercialoffer that is tailored to the cluster to every user in the cluster andthe second commercial offer that is tailored to the different cluster toevery user in the different cluster.
 10. The computer system accordingto claim 9, the analyzing component further configured to combinemultiple feature vectors from the set of feature vectors to generate aset of higher-level feature vectors.
 11. The computer system accordingto claim 9, the analyzing component further configured to receivestructured data of the plurality of users, wherein the structured datacomprises a history of past transactions.
 12. The computer systemaccording to claim 9, the analyzing component further configured to:assign a value to each of the set of feature vectors for each of theplurality of users, the value identifying a frequency and recentness ofone of more indicators that indicate one or more personalitycharacteristics corresponding to each of the set of feature vectors;group each of the set of feature vectors based on the assigned value;plot a graphical representation of the set of feature vectors for eachof the plurality of users based on the grouping; and determine adifference between graphical representations of the two or more usersfrom the plurality of users
 13. The computer system according to claim9, the offering component further configured to select the commercialoffer for the cluster from a predetermined selection of commercialoffers.
 14. The computer system according to claim 13, the offeringcomponent further configured to: receive a response corresponding to thecommercial offer from a responding user; and change the grouping of theresponding user from the cluster to another cluster based on theresponse to the commercial offer.
 15. A computer-readable storage mediumstoring computer instructions, which when executed, enables a computersystem for targeting communications to a user, the computer instructionscomprising: receiving unstructured social data of a plurality of users,the unstructured social data comprising one or more cognitive indicatorspertaining to specific users based on a set of words used by thespecific users within the unstructured social data; analyzing theunstructured social data created by each user of the plurality of usersto reveal a personality of the user by, for each user of the pluralityof users, automatically assigning a scoring value to each of a pluralityof feature vectors, which are associated with the user, based on the setof words of the one or more indicators used by the user within theunstructured social data generated by the user, the set of featurevectors having at least one feature vector that is selected from agroup, comprising: an empathy feature vector, an egotism feature vector,or a neuroticism feature vector for each of the plurality of users;identifying attributes of each cluster of a plurality of clusters formedfrom two or more users from the plurality of users having commonpersonality characteristics based on the feature vectors shared by usersgrouped in the cluster; inputting the attributes of the clusteridentified from the common personality characteristics into a predictivemodel to automatically determine a commercial offer that is tailored tothe cluster based on the attributes of the users in the cluster and toautomatically determine a second commercial offer that is tailored to adifferent cluster based on the attributes of the users in the cluster;and forwarding, by the at least one computer device, the commercialoffer that corresponds to the cluster to every user in the cluster andthe second commercial offer that is tailored to the different cluster toevery user in the different cluster.
 16. The computer-readable storagemedium according to claim 15, the computer instructions furthercomprising combining multiple feature vectors from the set of featurevectors to generate a set of higher-level feature vectors.
 17. Thecomputer-readable storage medium according to claim 15, furthercomprising computer instructions for receiving structured data of theplurality of users, wherein the structured data comprises a history ofpast transactions.
 18. The computer-readable storage medium according toclaim 15, the computer instructions for analyzing further comprising:assigning a value to each of the set of feature vectors for each of theplurality of users, the value identifying a frequency and recentness ofone of more indicators that indicate one or more personalitycharacteristics corresponding to each of the set of feature vectors;grouping each of the set of feature vectors based on the assigned value;plotting a graphical representation of the set of feature vectors foreach of the plurality of users based on the grouping; and determining adifference between graphical representations of the two or more usersfrom the plurality of users
 19. The computer-readable storage mediumaccording to claim 15, further comprising computer instructions forselecting the commercial offer for the cluster from a predeterminedselection of commercial offers.
 20. The computer-readable storage mediumaccording to claim 19, further comprising computer instructions for:receiving a response corresponding to the commercial offer; and changingthe grouping of the responding user from the cluster to another clusterbased on the response to the commercial offer.